Compare Amica Mutual vs. American National Insurance

Amica Mutual and American National are a couple of the most top-rated companies in world of insurance. They were founded around the same time, American National was founded in 1905 and Amica was founded in 1907. Amica offers customers a straightforward claims process and American National offers a helpful customer service portal and flexible claims services.

However, American National’s website is very difficult to navigate and Amica has a habit of dropping clients. Still, both of these companies have an A+ rating from the Better Business Bureau.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Amica Mutual American National
Best If Amica Mutual
  • You want a straightforward claims process
American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Worst If Amica Mutual
  • You’re relying on great customer service
American National
  • You want to use their website as your #1 point of reference. American National doesn’t provide much information on their products on the website

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and American National. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Amica Mutual American National
Amica Mutual

Legacy Discount. For drivers under 30 who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount. This discount is awarded to customers who install anti-theft devices. For example, an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount. For cars with four-wheel electronic stability control system.

Platinum Choice Auto. Another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

American National

The Fresh Start discount.

This is offered to those who apply for a policy with American National before their current one expires. With this discount, you can save money on your first six months of coverage.

The Association discount.

This gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.


This program is for those who insure both their cars and home with American National. But you must remain claim free for three straight years. Then you'll get a check for 25 percent of your home and auto premiums for the last three years. Every year after that you remain claim free, you’ll receive a check as well.

The Three Line discount.

This is offered when you insure your vehicle, home, and life with American National.

The Collector’s discount.

This becomes greater with each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.

Standard Car Insurance Discounts

Bundling Coverage Discounts Amica Mutual American National
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual American National
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Amica Mutual American National
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Amica Mutual American National
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances Amica Mutual American National
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual American National
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Amica Mutual Insurance American National Car Insurance
2016 29 1
2015 59 0
2014 66 1
2013 61 0

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance American National Car Insurance
Overall Purchase Experience Above average
Policy Offerings Above average
Pricing Average
Local Agent Average
Call Center Representative Among the best
Insurer Website --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Amica Mutual Insurance American National Car Insurance
Overall Satisfaction Among the best
First Notice of Loss Among the best
Service Interaction Average
Appraisal Among the best
Repair Process Average
Rental Car Experience Below average
Settlement Among the best

Financial Strength Ratings

Amica Mutual Insurance American National Car Insurance
A.M. Best A++ A
Moody's -- --
S&P's A A

Mobile Apps

Amica Mutual American National
Amica Mutual

Amica Mobile. This app helps you access the company’s website from your mobile device. Use it to make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here

American National

Insured2Go is ANPAC’s mobile app. The app allows you to report or track claims, review your policy information, direct access to roadside assistance, locate nearby repair shops, pay your premiums, and much more.

Roadside Assistance

Amica Mutual American National
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

Call 866-286-9968 to receive help on the road right away. 

American National

Easy Tow Roadside Assistance from ANPAC

Easy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee. But only up to the limits of your car insurance policy for roadside assistance. Call Easy Tow or access ANPAC's iPhone app Insured2Go to get service dispatched to you.

Roadside Assistance Services Covered

  • Tire change
  • Gas delivery
  • Lockouts
  • Towing
  • Jump start
  • Winching

Contact Phone Number

With roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869).